[{"data":1,"prerenderedAt":45},["ShallowReactive",2],{"q-credit_adv_law-24-047":3},{"exam":4,"examName":5,"chapterSlug":6,"question":7,"related":21},"credit_adv_law","進階授信人員專業能力測驗——授信法規","c1",{"id":8,"exam":4,"session":9,"qno":10,"question":11,"options":12,"answer":17,"chapter":18,"freq":17,"explanation":19,"difficulty":20},"credit_adv_law-24-047","24",47,"【案例】銀行之授信案有時須審酌借款人之償還能力，於授信條件要求提供保證人，但對於自用住宅放款及消費性放款，依銀行法規定，不得要求提供連帶保證人，惟未取得足額擔保者，仍得徵取一般保證人，且保證契約自成立之日起，有效期間不得逾十五年(屬於定期保證)。請回答下列相關問題：\n有關連帶保證人與一般保證人之責任，下列敘述何者正確？",[13,14,15,16],"一般保證人無先訴抗辯權","連帶保證人無先訴抗辯權","二種保證人均有先訴抗辯權","依民法規定，保證人之先訴抗辯權不得預先拋棄",1,"授信基本法律","先訴抗辯權是普通保證人的護身符：債權人若尚未就主債務人的財產強制執行而無效果，保證人可以拒絕清償。連帶保證人則是與主債務人連帶負責，債權人得直接向他求償，不必先去追主債務人的財產，所以 (B) 正確，也是銀行偏好連帶保證的原因。(A) 恰好說反，有先訴抗辯權的是一般保證人；(C) 把連帶保證人一併算進去，同樣不成立；(D) 更是誤解，民法明文允許保證人拋棄先訴抗辯權，拋棄後即不得再主張，銀行定型化保證條款常見此約定。至於自用住宅放款與消費性放款，銀行法禁止要求連帶保證人，只能徵取一般保證人。","easy",[22,25,29,33,37,41],{"id":23,"question":24,"qno":17},"credit_adv_law-23-001","有關銀行法第三十條反面承諾，下列敘述何者錯誤？",{"id":26,"question":27,"qno":28},"credit_adv_law-23-002","銀行辦理消費性放款，下列敘述何者正確？",2,{"id":30,"question":31,"qno":32},"credit_adv_law-23-003","依銀行法規定，下列敘述何者錯誤？",3,{"id":34,"question":35,"qno":36},"credit_adv_law-23-004","下列何者非屬甲金融控股公司之子公司？",4,{"id":38,"question":39,"qno":40},"credit_adv_law-23-005","乙銀行為甲金融控股公司之銀行子公司，丙公司為甲金融控股公司之關係企業。依金融控股公司法規定，乙銀行購買丙公司所發行之有價證券，其交易金額不得超過多少？",5,{"id":42,"question":43,"qno":44},"credit_adv_law-23-006","同一業別金融機構合併時，因合併而有逾越法令規定範圍者，主管機關應命其限期調整；若逾越一般法令之調整期限及逾越銀行法令有關關係人授信或同一人、同一關係人或同一關係企業授信規定者之調整期限，分別為多久？",6,1785170289553]